Item Outstanding loan balance Interest Rate Loan Payoff Year Monthly required payment Riley’s Federal Student Loan $7,282.06 0% 2031 $72 (both student loan payments were set when my income was much lower; gov’t recently announced 0% interest set during covid will now be permanent) Loan from Sam’s RRSP (retirement account) $7,210.56 2038 We used this toward our house down payment; we have to repay the balance of $7,210.56 over 15 years ($481/year; $40.08/month), beginning in 2023 Energy Loan for Central Air $3,828.05 7.70% 2027 We pay the $83 minimum payment; additional payments can be made any time without penalty or fee Riley’s Provincial Student Loan $1,484.00 0% 2028 $25 per month Total: $19,804.67 Spending money $363 includes restaurants/fast food, personal purchases such as books,…